"Mostly good, claims process could be more straightforward, it would be nice to be able to log in and see at a glance remaining entitlement to claim in a given year. Communication with customers service is always polite and pleasant, in my 3 years with UK healthcare they have always been nice people. Communication response time has been noticeabley slower to email in the past 6 months and this may be due to a staff shortage or similar, it would be good to know so that customers are aware of realistic waiting times. I am currently waiting 12 days for a response to an email and two weeks for a response to a sent claim (whether it's a yes or a no to that claim I don't know either way). Overall UK healthcare cashplans are good and value for money. If the online process was more modern and the response time was quicker I'd happily give 5 stars."

"Poor layout of claim form/process, usually take longer than 8 working days to pay a claim and sometimes had to resubmit claim as they said didn’t get it first time of submission (online). They then double your premiums if you claim too many times even if you are still in your entitlement limits! 2 stars given as they are no better or worse than other similar health insurance companies I have used in the past."

"Very poor communication, I have found that the staff are not always clear on what is needed to claim. The claim form is long with all the contact details you fill in but no one ever contact you if there is an issue with your claim. I find this attitude from staff very upsetting and stressful. It is so easy for them to collect my premiums so why make it so difficult for me to claim back what you’ve promised. I will be making the 4th attempt on the same claim with no fault of mine but incompetence of staff who don’t give a toss"

"Good value for money, polite staff, would like to see tech claim area improved, having to fill in the form for each claim is time consuming, should be able to upload more than 1 claim in same transaction etc."

"I made a claim on monday for £230 and phone an hour later to be told it was on the system and would be paid in 3-5 days. Phoned just 10 mins ago did not go on the system until yesterday and will not be paid until next week as so busy it is 5 working days. Give poor information and given the time of year really needed the monies back asap."

"Have been with UK Healthcare for a few years now. Am mostly pleased with the way they deal with my claims. However chiropodist visits are limited to £20 per visit, my chiropodist charges more, therefore am unable to claim back 100%. This and other t&c barriers mean I score it a 3!"

"UK Healthcare are so easy to work with. Debra is great, if I have any starters/leavers/amendments an e-mail sorts it out in no time. Wendy has looked after our account for many years and is always so knowledgeable and helpful."

"Every time I have used bhsf the phones get answered quickly and politely, the information requested is provided without having to hold and the online claims system is simplicity itself. An excellent service"

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